Retail Sukuk Investment Services
Product Introduction
Retail Sukuk is a service provided by Bank Islam for customers interested in investing in Sukuk. Unlike placements in the bank’s deposit or investment account products, investing in Sukuk through this offering is distinct and should not be viewed as the same. This offering is intended solely for sophisticated investors.
Investor Profile
- Seeks steady, regular income through coupon payments
- Aims to diversify their portfolio with fixed income instruments
- Prefers a medium to long-term investment horizon
Eligibility – Who is it for?
Sophisticated Investors i.e. Accredited Investor, High-Net Worth Entity and High-Net-Worth Individual, as prescribed in the Guidelines on Categories of Sophisticated Investors issued by Securities Commission Malaysia (Please log on to www.sc.com.my for details)
How to Invest?
Our dedicated Relationship Manager is ready to provide you professional advice to construct your very own investment portfolio with the Bank. You must first:
- Read the Product Information Sheet and Terms and Conditions related to Retail Sukuk
- Understand your investment objective & goals
- Decide your investment time horizon
- Understand your own investment risk appetite and preference
- Select the right Sukuk by reviewing the Credit Rating, Yield to Maturity, Minimum Investment Amount, Currency, Years to Maturity & etc
Purchase Channel
You can find out more information on Retail Sukuk by visiting our branches or Premier Wealth Centre.
Retail Sukuk is issued by third party Sukuk Issuer, and distributed by Bank Islam Malaysia Berhad, Reg. No. 198301002944 (98127-X).
- Read the Product Information Sheet and Terms and Conditions related to Retail Sukuk
- Understand your investment objective & goals
- Decide your investment time horizon
- Understand your own investment risk appetite and preference
- Select the right Sukuk by reviewing the Credit Rating, Yield to Maturity, Minimum Investment Amount, Currency, Years to Maturity & etc
Notes:
- Only Sukuk instruments that meet the established criteria and features are eligible for investment and distributed by Bank Islam.
- The availability of coupon payments depends on the specific structure of the Sukuk.
- Sukuk investment is restricted to Qualified or Sophisticated Investors, as defined by the Securities Commission of Malaysia. For details, please visit www.sc.com.my.
- Before making any investment decision, you must:
• Complete the Investor Suitability Assessment.
• Review and understand the Product Highlight Sheet, Terms and Conditions, and Prospectus (where applicable). - Sukuk investments are subject to the Issuer’s credit and default risks.
- Trading Sukuk in the secondary market exposes investors to liquidity risk. There may be limited or no active buyers, which could result in a lower Sukuk price or difficulty in recovering your principal investment.
Disclaimer:
Investors are advised to read and understand the content of the prospectus before investing. Among others, investors should consider the fees and charges involved. The price of the Sukuk and coupon payable, if any, may go down as well as up. Past performance figures shown are not indicative of future performance.
You should carefully consider whether any views or investment products are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. The relevant product offering documents should be read for further details.
It is crucial to understand that the investment decision is solely yours. However, you should only proceed with the investment if Bank Islam’s sales staff has explained to you that the product is suitable for you based on your investment objectives, financial situation, risk profile and current portfolio.
Important: Retail Sukuk investment is not a deposit product. These Sukuk are designed to be held to maturity, and there may be no active secondary market for trading. Sukuk instruments are not intended for short-term speculation. Additionally, Sukuk are subject to the creditworthiness of the issuer, and there is no guarantee of protection in the event of default. In the worst-case scenario, you may not recover your principal or any accrued coupon if the issuer defaults.
Retail Sukuk investments are not protected by PIDM.
